OHIO VALLEY
Charter #22688 · Batavia, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.39% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.97% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.51% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 18th — a 33-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | OHIO VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.77M | 52th pct | 18th pct |
| Members | 2,077 | 49th pct | 33th pct |
| Net worth ratio | 9.39% | 13th pct | 15th pct |
| Return on average assets | 0.72% | 54th pct | 62th pct |
| Net interest margin | 3.97% | 57th pct | 80th pct |
| Cost of funds | 0.73% | 45th pct | 61th pct |
| Loan-to-share | 41.49% | 23th pct | 26th pct |
| Delinquency 60+ days | 1.51% | 78th pct | 80th pct |
| Net charge-off ratio | 0.37% | 66th pct | 62th pct |
| Loan growth YoY | -0.14% | 69th pct | 72th pct |
| Share growth YoY | -1.21% | 17th pct | 16th pct |
| Efficiency ratio | 76.93% | 41th pct | 30th pct |
structural peer set hash: e20ef94d7717475ddfe72e7ff329692a… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.